Loan Workout

With unparalleled experience we are uniquely positioned to help our clients with all their workout needs serving either as a Borrower Advocate or as an extension of the Special Assets Group within financial institutions and servicers.

Our special assets team has not been borne by the current crisis; this is our business. We are a group of seasoned credit professionals that have navigated many crises including the:

• Early 1990’s savings and loan crisis.


• Late 1990’s dot com-bubble.


• 9/11 aftermath in the financial markets.


• 2008 subprime mortgage recession.

While the underlying cause of each crisis may be different the approach to resolving the property level issues and plotting the optimal course remain the same.

We are all former lenders and workout specialists with major financial institutions and servicers. As such we do not only have unmatched experience in structuring creative solutions to difficult situations, but also strong relationships with major players in the market. We have a profound understanding of the motivators and sensitivities of both Borrowers and Lenders in the workout battle. This gives our clients that extra edge needed to bring a workout to a positive outcome for all parties.

A disciplined, pro-active approach based on solid analytics is paramount to a successful workout. At the same time, we are entrepreneurial and creative by nature ensuring innovative solutions to the inherently complex issues encountered during a workout. Being skilled negotiators, we agree with the client upon a suitable strategy and then employ tested tactics to achieve our goals.

We are exceedingly client centric approaching every assignment as if we were principals in the deal. We strive to build long-term relationships based on integrity, trust and results.

Advantage Pinpoint

Negotiated Results

The Pinpoint Difference

1

A disciplined approach based on solid analysis of the quantitative and qualitative aspects of the deal.

2

Approach every deal as if we are principals.

3

Entrepreneurial spirit providing creative solutions to complex issues.

4

Anticipate and address issues in a pro-active manner.

5

Leverage relationships with major players to get our voice heard in a very crowded field.

6

Our team is made up of industry veterans each with over 25 years of experience in workout, credit and lending.

Borrower Advocate

In the current crisis we are laser focused on positioning ourselves as the Borrower Advocate team of choice. We understand the odds are against the borrower and know how to even those odds.

The Pinpoint team works together on every assignment giving the client the full benefit of our combined expertise. Pinpoint is the best ally in the workout battle employing methods familiar to the servicers and lenders generating sound solutions understanding which buttons to press and more importantly, which ones not to press.

Special Assets – Financial Institutions and Servicers

Our seasoned team are experts at working out non-performing loans on behalf of financial institutions and servicers. Our disciplined approach to workout, honed over decades in the industry, will maximize recovery on defaulted loans by:

• Managing the asset from initial default to ultimate resolution.


• Working with the systems in place so the client can maintain control and ownership of all the data.


• Augmenting systems as needed with underwriting models and other ad hoc reporting.


• Interfacing with your legal, third party contracting and SAG team becoming an extended arm of your SAG department.